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Workers Compensation Insurance in Old Station CAAs an independent contractor in Old Station, there are times when the folks working for you fall into gray areas where you may or may not need workers compensation insurance coverage. Do you fully understand the laws and obligations? We do, and it’s still hard to explain or just depends upon your individual situation. Don’t presume or take the word of someone who “may” know. Protect yourself, your interests and your workers and call the experts at California Contractors Insurance. We’ll give it to you straight and tell you exactly the type of workers compensation insurance you need.

Workers Compensation Insurance Company Near Me In Old Station California

The worker’s compensation insurance experts at California Contractors Insurance have years of experience in the field of contractors insurance. Each of our highly skilled and certified agents is adept at designing workers compensation insurance policies that will meet the Old Station CA 96071 legal requirements and the comprehensive coverage you and your workers need. Do you know what your obligations are when it comes to workers compensation insurance? Don’t guess and hope, find out and get covered. Trust us, you’ll sleep better knowing you have the coverage you need and require. As an independent contractor, you have enough to worry about, let us help provide you with the peace of mind you need.

Free Workers Compensation Insurance Quote – (888) 728-4034

Workers compensation insurance and health insurance are not the same things. Know the difference? We do, so call California Contractors Insurance at (888) 728-4034 and we’ll provide you with the right coverage your business needs. Request a free, no-obligation quote today and protect your business and your workers today. You’ll be glad you did.

More About Workers Compensation Insurance

Comprehending Workers’ Compensation Insurance and More

A lot of mid-sized businesses in Old Station will usually have at least an employee or two. Therefore, as a company owner, having some knowledge on how workers’ compensation insurance works will go a long way in saving you a grand headache and financial damages in case something happens to any of your workers.

Workers’ compensation insurance coverage in Old Station CA is an insurance policy that offers wage replacement and medical expenditures to your workers in case they are hurt. This policy is in exchange for compulsory forfeiture of their right to sue the employer for compensation.

Why This Policy Is Helpful

This policy serves to protect the employer from punitive suits by their employees. Sometimes, the lawsuits can cause monetary damages resulting in the business to become insolvent when the damages granted are too expensive for the company to pay for. Therefore, this system of cumulative liability was adopted to solve the concern.

The compensation strategies in Old Station vary amongst jurisdictions. However, in general terms, a form of disability insurance in the form of replacement of incomes can be adopted. There will also be compensation for the economic loss for the injured employee, payment or repayment of medical costs along with benefits awarded to the staff members’ dependents in case of death.

As a company owner, you should comprehend why such an insurance plan is handy. Apart from saving you from claims that can damage your reputation, it also prevents you from closing down due to high damages awarded to the injured staff member.

The Policy Is Not Standardized

The workers’ compensation insurance coverage are controlled by the individual states and territories business is located. Thus, there isn’t a single guideline that is followed when awarding damages. Hence, when your company expands to other states, it would be prudent to find out from your attorney how the law operates in that location, and therefore you can change the policy accordingly.

Normally, damages sought for pain and suffering due to the negligence of the employer as well as compensatory damages for the employer are not covered by the workers’ compensation plan. Thus, it would be prudent for the employer to make sure that none of their policies or operations directly put the employees at risk of injury even if such an insurance plan is in place.

Not All Businesses Apply

Old Station Workers Compensation InsuranceNot all companies have to have workers’ compensation insurance in place. For example, small businesses (particularly sole proprietorships and partnerships) will not need the insurance coverage unless they have staff members who aren’t also owners. Sometimes, the state laws will enable the owners to get the compensation plan for themselves (as their own workers) if they wish.

Some states also don’t require the business to have compensation insurance plan in place if the employees are entirely paid on commission. Depending on the state, the law may deal with uninsured contractors as workers in case they are injured while working for you.

Getting the Plan

As a rule, if you have staff members who aren’t owners, then it is a requirement to have such compensation insurance plans in place. The majority of employers take measures to guarantee that their workplace is safe, but accidents do take place, and livelihoods are lost as a result. Hence, getting workers’ compensation insurance will protect both you and your workers in the event of a mishap.

Learn More About Old Station CA 96071

Old Station is a city in Shasta County, California with a total population of approximately 125. Old Station, which uses the 530 area code, is located at 40.59211, -121.495 at an elevation of 557 feet. There are over 67 households and on average there are 1.87 people in each household with a median age of 62.5. The average income in the area is $36,940 and the average home value is $130,600.